Stock Average Cost Calculator Terms of Use

1. The App, in plain terms

Stock Avg is a calculator. It helps you compute the weighted-average cost of stock positions, plan averaging-down strategies, and review the realised P&L of trades you have closed. The App does not place orders, does not connect to a brokerage, does not provide market data, and does not transmit any of the figures you enter to a server. Everything you type stays on your device. See our Privacy Policy at https://loheden.com/stock-avg-privacy for the full data picture.

2. The App is not financial advice

Nothing the App shows you — including projected break-even prices, "Did averaging help?" comparisons, planned-tranche scenarios, or any other figure — constitutes a recommendation to buy, sell, hold, or otherwise transact in any security.

• You are solely responsible for your investment decisions.
• The hypothetical scenarios the App generates are arithmetic projections from the numbers you entered. They do not predict, guarantee, or imply any future outcome.
• Past trading performance (yours or anyone else's) does not guarantee future results.
• The figures the App shows are only as accurate as the numbers you enter. Garbage in, garbage out.

If you need investment, tax, legal, or accounting advice, speak with a qualified professional licensed in your jurisdiction.

3. Your account, your data

The App does not have a user-account system. You do not register, sign in, or provide a name or email to use it. All position data, tranches, settings, and onboarding state are stored on your device. We do not have a copy of any of it. If you uninstall the App, all your data is permanently removed and cannot be recovered.

4. Licence and Prohibited Uses

Subject to your compliance with these Terms, we grant you a personal, non-exclusive, non-transferable, revocable, limited licence to download and use one copy of the App, in object code form, on a device that you own or control, solely for your personal, non-commercial use.

Prohibited Uses. You agree not to, and you will not permit others to:

• Copy, modify, adapt, translate, reverse-engineer, decompile, or disassemble the App, except to the limited extent expressly permitted by applicable law that cannot be waived by contract;
• Rent, lease, sell, sublicense, distribute, or transfer the App or any rights in it;
• Use the App in any way that breaks any law or regulation, infringes anyone's rights, or harms anyone;
• Use the App to provide services to third parties commercially (white-labelling, reselling, automated API querying, etc.);
• Remove or alter any copyright, trademark, or other proprietary notices contained in the App;
• Attempt to extract or work around any in-app purchase, paywall, or licence check;
• Interfere with, disrupt, or attack any services or networks connected to the App or our licensing providers;
• Use the App for competitive analysis, benchmarking, or to build a similar or competitive product;
• Use the App or its outputs to create, train, or improve any machine learning or artificial intelligence models or algorithms.

Apple, Google, or both reserve their own additional rules through their respective app-store agreements. Sections 12 and 13 below set out the platform-specific terms that apply in addition to these Terms.

5. Purchases, subscriptions, refunds

The App is offered on a paid basis. Purchases are processed by Apple's App Store (on iOS) or Google Play (on Android), and managed by our subscription-management partner RevenueCat. We never see your payment details.

• One-time purchase ("Lifetime"). Pay once for permanent access to the App's features on the platform you purchased on.
• Subscription ("Weekly" or similar). Recurring billing, charged to your App Store or Google Play account at the start of each renewal period, until you cancel. The price, billing period, and renewal terms shown at purchase apply. Subscriptions auto-renew unless you cancel at least 24 hours before the end of the current period.
• Cancelling a subscription. You can cancel at any time in your App Store subscription settings (iOS) or your Google Play subscription settings (Android). Cancelling stops the next renewal; it does not refund the current period.
• Free trials, where offered. Any unused portion of a free trial is forfeited when you purchase a subscription.
• Refunds. Refunds for App Store purchases are handled by Apple at https://reportaproblem.apple.com. Refunds for Google Play purchases are handled by Google at https://play.google.com/store/account. We have no ability to grant a refund directly, since we do not process the payment.
• Restoring a purchase. If you reinstall the App or use a new device, tap "Restore purchase" on the paywall. Restoration relies on your platform account and works only on the platform you originally purchased from.
• Price changes. Subscription prices may change. We will obtain your consent for any price increase in the manner required by Apple or Google for your platform; if you do not consent, the subscription will not renew at the new price.

6. No warranty

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITH ALL FAULTS. TO THE MAXIMUM EXTENT PERMITTED BY LAW WE DISCLAIM ALL WARRANTIES (EXPRESS, IMPLIED, STATUTORY) INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, QUIET ENJOYMENT, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WITHOUT LIMITING THE ABOVE, WE DO NOT WARRANT THAT THE FIGURES OR PROJECTIONS SHOWN BY THE APP ARE CORRECT, COMPLETE, OR SUITABLE FOR ANY DECISION YOU MIGHT MAKE.

7. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, EXEMPLARY, OR ENHANCED DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, BUSINESS INTERRUPTION, GOODWILL, DATA, OR REPLACEMENT COSTS, ARISING OUT OF OR RELATED TO THE APP, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, INCLUDING WITHOUT LIMITATION LOST TRADING OPPORTUNITIES OR TRADING LOSSES OF ANY KIND.

OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE APP OR THESE TERMS SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID FOR THE SUBSCRIPTION OR ONE-TIME PURCHASES DURING THE TWELVE (12) MONTHS PRECEDING THE FIRST EVENT GIVING RISE TO LIABILITY OR (B) USD $10. THESE LIMITATIONS APPLY NOTWITHSTANDING FAILURE OF ESSENTIAL PURPOSE. SOME JURISDICTIONS DO NOT ALLOW EXCLUSION/LIMITATION OF LIABILITY FOR CERTAIN DAMAGES; IN SUCH CASES LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

8. Indemnification

You agree to defend, indemnify, and hold harmless Loheden, its directors, officers, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or related to (a) your violation of these Terms, (b) your misuse of the App, (c) your violation of any applicable law or any third party's rights through your use of the App, or (d) any investment or trading decisions made based on outputs from the App.

9. Intellectual Property

All intellectual property rights in the App (including code, UI, design, text, trademarks, and logos) remain the property of Loheden AI Solutions AB or its licensors. No rights are transferred except the limited license expressly granted. You may provide feedback or suggestions; we may use them without restriction or obligation.

10. Termination

We may suspend or terminate your licence to use the App at any time if you breach these Terms or if we are required by law or platform policy to do so. You may terminate your licence at any time by uninstalling the App. Sections that by their nature should survive termination (including without limitation Sections 2, 6, 7, 8, 9, 11, and 17) will survive. We are not liable for termination in accordance with these Terms.

11. Governing law and jurisdiction

These Terms are governed by the laws of Sweden, without regard to its conflict-of-laws rules. Subject to the consumer-protection note below, the courts of Örebro, Sweden have exclusive jurisdiction over any dispute arising out of or relating to these Terms or the App. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

12. Additional terms for iOS users (Apple App Store)

The following section applies in addition to the Terms above when you have obtained the App from the Apple App Store. It satisfies Apple's "minimum terms" requirements for any custom end-user licence agreement. The capitalised term "Licensed Application" in this section refers to the App; the "End-User" refers to you; the "Licensor" refers to Loheden AI Solutions AB.

12.1 Acknowledgement. You and we acknowledge that this EULA is concluded between you and Loheden only, and not with Apple. Loheden, not Apple, is solely responsible for the Licensed Application and the content of it.

12.2 Scope of Licence. Loheden grants you a non-transferable licence to use the Licensed Application on any Apple-branded products that you own or control, and as permitted by Apple's Usage Rules set forth in the Apple Media Services Terms and Conditions. The Licensed Application may be accessed and used by other accounts associated with you via Apple's Family Sharing or volume purchasing, where applicable.

12.3 Maintenance and Support. Loheden is solely responsible for providing any maintenance and support services with respect to the Licensed Application, as specified in these Terms or as required under applicable law. You and Loheden acknowledge that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the Licensed Application.

12.4 Warranty. Loheden is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. In the event of any failure of the Licensed Application to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) for the Licensed Application to you. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the Licensed Application, and any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty will be the sole responsibility of Loheden.

12.5 Product Claims. You and Loheden acknowledge that Loheden, not Apple, is responsible for addressing any claims of you or any third party relating to the Licensed Application or your possession or use of it, including but not limited to: (i) product liability claims; (ii) any claim that the Licensed Application fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection, privacy, or similar legislation.

12.6 Intellectual Property Rights. You and Loheden acknowledge that, in the event of any third-party claim that the Licensed Application or your possession and use of it infringes that third party's intellectual property rights, Loheden, not Apple, will be solely responsible for the investigation, defence, settlement, and discharge of any such intellectual property infringement claim.

12.7 Legal Compliance. You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.

12.8 Developer Name and Address. For any questions or complaints regarding the Licensed Application, contact Loheden AI Solutions AB at the address in Section 17 below.

12.9 Third Party Terms of Agreement. You must comply with applicable third-party terms of agreement when using the Licensed Application, including without limitation your wireless data service agreement, where applicable.

12.10 Third Party Beneficiary. You and Loheden acknowledge and agree that Apple, and Apple's subsidiaries, are third-party beneficiaries of these Terms, and that, upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary of them.

13. Additional terms for Android users (Google Play)

If you obtained the App from Google Play, your use of the App is also subject to the Google Play Terms of Service available at https://play.google.com/about/play-terms/. Subscriptions, refunds, and parental controls for Google Play purchases are governed by Google's policies and managed through your Google Play account. Loheden is not a party to your agreement with Google.

14. Force Majeure

We are not liable for delays or failures resulting from events beyond our reasonable control, including natural disasters, labor disputes, utility or telecommunications failures, outages, cyberattacks, third-party service interruptions, acts of government, force majeure events, or changes in platform policies.

15. Third-Party Terms

Use of certain features may require acceptance of third-party terms (e.g., app store terms, RevenueCat policies). Continued use constitutes acceptance. We may reference third-party notices for convenience; those parties are not sponsors unless expressly stated.

16. Changes to these Terms

We reserve the right to modify, suspend, discontinue, or limit any aspect of the Services at any time. This Agreement may be updated periodically; revisions take effect upon posting. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date at the top. The current version is always available at https://loheden.com/stock-avg-terms.

Your continued use of the App after a revision becomes effective constitutes your acceptance of the revised Terms; if you do not agree, you must uninstall and stop using the App.

17. Miscellaneous

Entire agreement. These Terms and the Privacy Policy at https://loheden.com/stock-avg-privacy together constitute the entire agreement between you and Loheden regarding the App, and supersede any prior agreement on the same subject matter.

Severability. If any provision of these Terms is held to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in full force and effect.

No waiver. Our failure to enforce any provision of these Terms is not a waiver of our right to do so later.

Assignment. You may not assign or transfer these Terms or your rights under them. We may assign these Terms in connection with a merger, acquisition, sale of assets, or by operation of law, on notice via the URL above.

Headings. Section headings are for convenience only and have no legal effect.

Contact

For any question, complaint, or legal notice regarding the App or these Terms, write to us at:

Loheden AI Solutions AB
Vretavägen 26
71993 Vintrosa
Sweden

Email: [email protected]